Portfolio Manager – Franchise Group

Celtic Bank

Portfolio Manager responsible for credit and portfolio oversight in franchise finance. Managing financial analysis and risk assessment for Celtic Bank's diverse franchise portfolio.

Posted 5/16/2026full-timeRemote • Utah • 🇺🇸 United StatesJuniorMid-LevelWebsite

About the role

Key responsibilities & impact

Perform detailed financial analysis of borrower and guarantor financial statements, tax returns, business plans, and financial projections.
Conduct annual credit reviews and monitor existing loan portfolios for performance trends, covenant compliance, and early warning indicators.
Prepare clear, concise, and well-supported credit approval memoranda for internal credit committees and regulatory review.
Evaluate franchisee performance metrics, brand strength, unit-level economics, and competitive positioning.
Identify key credit and structural risks to help mitigate potential loan losses.
Partner closely with relationship managers, credit officers, legal counsel, and operations teams to support efficient portfolio oversight.
Participate in periodic portfolio reviews with internal and external auditors.
Contribute to ongoing credit policy enhancements and portfolio risk management initiatives.
Ensure compliance with all applicable regulatory requirements, internal policies, procedures, and best practices.
Perform additional duties and special projects as assigned.

Requirements

What you’ll need

Bachelor’s degree in Finance, Business, Accounting, or a related field preferred.
2–4 years of commercial credit experience, ideally within franchise finance or middle-market lending.
Strong understanding of financial modeling, ratio analysis, and credit risk evaluation.
Proficiency in Microsoft Office Suite, Adobe, SharePoint/OneDrive, and other business applications.
Ability to quickly learn new systems and processes in a collaborative environment.
Strong organizational skills with the ability to manage multiple priorities and deadlines effectively.
Excellent written and verbal communication skills with the ability to build strong working relationships internally and externally.
High attention to detail, strong analytical thinking, and independent problem-solving capabilities.
Ability to maintain professionalism and composure while managing deadlines, delays, and changing priorities.

Benefits

Comp & perks

Medical, dental, vision
401(k) with employer match
Life and long-term disability coverage
HSA and FSA plans
Holidays and paid time off requests
Robust wellness program (we’re talking catered meals three times a weeks, lunch and learns, and onsite gym.)

ATS Keywords

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Hard Skills & Tools

financial analysiscredit risk evaluationfinancial modelingratio analysisportfolio risk managementcovenant complianceperformance metrics evaluationcredit approval memoranda preparationloan portfolio monitoringbusiness plan analysis

Soft Skills

organizational skillsanalytical thinkingproblem-solvingcommunication skillsrelationship buildingattention to detailability to manage multiple prioritiescollaborative learningprofessionalismcomposure under pressure